First Citizens Investor Services, Inc.

First Citizens Investor Services, Inc. provides investment advisory and brokerage services to a broad client base that includes individuals (including high‑net‑worth clients), trusts, estates, retirement plans, charitable organizations, and corporations. Its service menu spans discretionary and non‑discretionary portfolio management, wrap programs (UMA/SMA), model portfolios, an automated Guided Investing platform, tax‑aware strategies, and financial planning.

Advisory advice is delivered by Investment Adviser Representatives who use interviews, questionnaires, and client information to develop investment policy statements and asset allocation plans aligned with clients’ goals and risk profiles. Portfolios are implemented through a mix of internally approved and third‑party Portfolio Managers overseen by an Investment Products Committee, using fundamental, quantitative and technical analysis and both strategic and tactical allocation approaches.

The firm’s structure is notable among enterprise advisers: FCIS is a bank‑affiliate and operates as both a registered investment adviser and a broker‑dealer, and it is also a licensed insurance agency—arrangements that are less common among peers and that enable combined banking, brokerage, and insurance offerings. It also uses third‑party platform providers (including Pershing for custody and Marstone for its Guided Investing platform) and offers tax transition and tax‑loss harvesting services (transitions can extend over multiple years), all of which are disclosed as part of the firm’s implementation practices and potential conflicts in its Form ADV.